HDFC Freedom Credit Card

The HDFC Freedom Credit Card is the best credit card for beginners. The card comes with various features like discounts, cashback, reward points, and gift vouchers for dining, groceries, movies, and more. The best part about HDFC Freedom Credit card reward points is that they could be easily redeemed into cash.

Annual Fee- Rs 500

Key Highlights and Rewards Value

  • Get a gift voucher worth ₹1000 on an annual spend of ₹90,000 and higher
  • Welcome Benefit of 500 reward points on fee realization only
  • Earn up to 25X reward points on spending made for celebrating birthdays ( Upto maximum reward points of 3000)
  • Get 10X reward points on Payzapp & Smartbuy spends


₹150 = 1 Reward Points

Save up to ₹2488 on an Annual Spend of ₹4 Lakh

Features of HDFC Freedom Credit Card

Welcome Benefit

Earn 500 Reward Points on joining.

Renewal Benefit

Earn 500 Reward Points on renewal


Earned reward points can be redeemed through catalog purchases or cashback.

Accidental Death Insurance Cover

Avail of this benefit by using the card at least 4 times a month. The primary cardholder is insured up to Rs. 50 lakhs

The eligibility criteria to apply for HDFC Freedom Credit Card:


Age – 21 years-60 years

Minimum Income Required – Rs. 12,000 per month

Self Employed

Age-21 years-65 years

The minimum income required is Rs. 2 Lakh per annum

The applicant must have a stable job and a regular source of income.

He/She should have a decent credit score of 750, or above

Documents required to apply for HDFC Freedom Credit Card

Proof of Identity

PAN Card, Aadhaar Card, Passport, Voter’s ID Card, Driving License, or any other government-approved photo ID

Proof of Address

Aadhaar Card, Utility bills, Passport, (not more than 3 months old), or any other government-approved address proof

Income Proof

Latest 3 months bank statements, salary slips, 3 years ITR, Audited financials for the last two years (for self-employed), Form 16, etc.

Fee and charges of HDFC Freedom Credit Card

Fee and Charges Amount
Annual Fee/ Renewal Fee Rs 500
Reward Redemption Fee Rs 99 per request
Foreign Currency Markup fee 3.5% of the amount
Cash Advance Charges 2.5% of the amount withdrawn or Rs. 500 whichever is higher
Additional Card Fee NIL
Over Limit Charges 2.5% of over limit amount, subject to a minimum of Rs. 550
Reissue of lost, stolen, or damaged Credit Card Rs 100
Payment Return Charges 2% of Payment amount subject to a minimum of Rs. 450
Cash processing fee Rs. 100 (for all card payments made by depositing in HDFC Bank branches or ATMs)
Balance Transfer Processing Fee 1% of BT amount or Rs. 250, whichever is higher
Late Payment Charges For Statement Balance:
Less than Rs. 100 – Nil
Rs.100 to Rs.500 – Rs.100
Rs.501 to Rs.5,000 – Rs.500
Rs.5,001 to Rs.10,000 – Rs.600
Rs.10,001 to Rs. 25,000 – Rs.800
Rs. 25,000 to Rs. 50,000 – Rs. 1,100
Over Rs. 50,000 – Rs. 1,300

How to apply for HDFC Credit Card at IndiaLends

We provide you hassle-free and simple ways to apply for a credit card. You have to enter few basic details and we suggest the best credit card offers for you. Follow the steps given below to apply:

  • Click here to start the application process.
  • Enter your basic details like occupation, monthly income, city, and contact number. You will now see a list of credit cards for which you meet the basic eligibility criteria.
  • Find your preferred HDFC credit card from the list and check your eligibility for the same.
  • If eligible, you can complete the online application

Once you apply, you will get a call from our representative who will assist you in delivering the credit card of your choice to your doorstep.

How to apply for HDFC Bank Credit Card on their official website?

  • Visit the official website of HDFC Bank
  • Click on the ‘Credit Cards’
  • Click on the ‘Apply Now’ button
  • Fill in your personal and income details
  • Submit the application
  • The executive will come to pick the necessary documents
  • The bank would verify the details properly before approving the application

HDFC Freedom Credit Cards is one of the top credit cards of HDFC Bank under the category of ‘ ‘Reward Credit Cards’